Risk Protection: you may elect to obtain Risk Protection by making payment of an additional 10% of the Rental Fee as a ‘Risk Protection Fee’. If you do so, we shall not recover the cost of any loss or damage caused to any Furnishings due to the following events:

i. theft and/or vandalism of any Furnishing from forcible and/or illegal entry of the Property; or

ii. fire or flood damage to any Furnishing resulting from a fire or flood at the Property,

(Defined Event)

iii. however, the Risk Protection of a Defined Event does not extend to loss or damage from a Defined Event was caused or contributed to by your own negligent, wilful or intentional act committed directly or indirectly by you (as reasonably determined by us); and

iv. you must notify us in writing of the Defined Event within 3 Business Days of it occurring.